Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$107,594Cash toward the purchase price.
Closing costs + prepaids$10,560Not just lender fees.
Before credits & paid funds$118,154The complete starting cash picture.
Estimated remaining funds due at closing
$118,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,593.75
Your down payment$107,593.75
Closing costs + prepaids$10,560.13
Total buyer cash needed$118,153.89
Remaining funds due$118,153.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,660.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$792.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,612.00
Prepaid interest, first (24 days)$278.10
Fees + prepaids$10,560.13
Your down payment is the seller’s equity. You take over the $158,406 balance, so the rest of the $266,000 price is paid at closing. A second mortgage can cover part of it. $118,153.89 is due at closing. Uses and sources reconcile at $276,560.13 each. Not a Closing Disclosure.